Short answer: For a home loan on a Telangana property, lenders usually need the sale agreement, the seller’s title deed and link (parent) documents going back typically 13 to 30 years, an encumbrance certificate (EC) for the same period, the approved building plan and permission, an occupancy certificate for completed buildings, property tax receipts, and TS-RERA registration for new projects. The exact list depends on whether you are buying a new flat, a resale flat, a plot or building a house.
By Vijay Arjun, DME, LIC Housing Finance (code HYD0087), Elite Financial Services. Last reviewed: 29 September 2026.
Checklist by property type
| Document | New flat (builder) | Resale flat | Plot | Build your own house |
|---|---|---|---|---|
| Agreement of sale / sale deed | Yes | Yes | Yes | Land sale deed |
| Link (parent) documents | Builder’s title documents | Yes | Yes | Yes |
| Encumbrance certificate (EC) | Yes | Yes | Yes | Yes |
| Approved building plan and permission | Yes | Yes | Layout approval with LP number | TS-bPASS permission and plan |
| Occupancy certificate (OC) | For ready flats | Where applicable | — | — |
| TS-RERA registration | Yes (new projects) | — | For registered plotted projects | — |
| Property tax receipts, electricity bill | — | Yes | — | — |
| Builder NOC / tripartite agreement | Yes | — | — | — |
| Engineer’s cost estimate | — | — | — | Yes |
| Seller’s loan closure letter | — | If the seller has a loan | If mortgaged | — |
Lenders may ask for more depending on the property. Your own KYC and income documents are separate.
Link documents: how far back?
Link documents are the earlier sale deeds that show how the property passed from owner to owner up to your seller. Lenders commonly ask for the chain covering the last 13 to 30 years. Every step in the chain should be a registered document, with names and extents that match.
A missing or unregistered link (for example, a property that passed through an unregistered agreement or a GPA) is one of the most common reasons a legal opinion comes back negative.
Encumbrance certificate: how to get it in Telangana
The EC lists every registered transaction on the property: sales, mortgages, gifts and releases. In Telangana you get it from the Registration and Stamps Department (IGRS) at registration.telangana.gov.in:
- Open Encumbrance Search on the IGRS portal.
- Search by document number (most precise), survey number or house number.
- Choose the period. For a purchase, search the full 30 years, because short windows can hide old mortgages.
- Pay the fee and download the certificate.
The EC shows only registered documents. An unregistered loan or a pending court case will not appear, which is why the lender’s legal check still matters. For agricultural land records, Telangana uses the Bhu Bharati portal, but the EC itself still comes from IGRS.
Approvals: plan, permission and OC
- Building plan and permission from GHMC, HMDA, the municipality or, for new houses, through TS-bPASS. The building on the ground should match the plan; extra floors or reduced setbacks are “deviations” that can reduce or block the loan.
- Occupancy certificate for completed buildings where it applies. Lenders are increasingly strict about OC for ready and resale flats.
- TS-RERA registration for new projects. Check the project on rera.telangana.gov.in and match the registration number with the builder’s documents.
Buying in an approved project saves time
If LIC Housing Finance has already approved a project, the builder’s title and approvals have been checked once, so your own file moves faster. See our list of approved projects and our page on APF approval.
Five document problems that delay loans
- A gap in the link documents, or an unregistered step in the chain.
- An EC showing an old mortgage with no release deed.
- Names, survey numbers or extents that differ between documents.
- Construction that deviates from the approved plan.
- No OC for a completed building.
Most of these can be fixed before you apply if you catch them early. For plots, see our guide to HMDA and DTCP plot loans; for unapproved layouts, see loans on LRS plots.
What to do next
Send us copies of the property documents before you sign or pay a large advance. We will tell you what the lender will ask for and what is missing.
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Frequently asked questions
How many years of link documents do banks need in Telangana?
Commonly 13 to 30 years, depending on the lender and the property. The chain must be complete and registered.
Where do I get an encumbrance certificate in Telangana?
From the IGRS portal at registration.telangana.gov.in, using the Encumbrance Search option.
Is an occupancy certificate required for a home loan?
For completed buildings where an OC applies, lenders usually ask for it. A missing OC can limit or block the loan.
Do I need RERA registration for a home loan on a new flat?
For projects that must register under TS-RERA, lenders check the registration. Verify it on rera.telangana.gov.in.
Can a lender refuse a loan because of documents even if my income is good?
Yes. The property must pass the lender’s legal and technical checks regardless of your income.
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About the author: Vijay Arjun is a Direct Marketing Executive with LIC Housing Finance (code HYD0087) and runs Elite Financial Services, an authorised DSA of LIC Housing Finance in Kukatpally, Hyderabad. Disclosure: We are a DSA, not the lender. Loan sanction, amount, interest rate and tenure are at LIC Housing Finance’s sole discretion. Figures are illustrative; your actual eligibility depends on your full profile.